If this review allowed ZERO stars that is what I would give this company and their stupid cards. Unfortunately I am FORCED to give this pathetic excuse of a card 1 star to post at all, and it doesn't even deserve THAT many.
I echo everything posted here by Walter on May 17, 2014. It's super easy to get one of these cards but thereafter the entire customer experience becomes a nightmare. They make it next to impossible to pay your bill on time -- literally. I am fifty years old now and have NEVER in my entire LIFE heard of a credit company that puts an automatic 10-day hold on your payment. Why they don't simply adjust the due date or plan ahead for this and work it into the due date is beyond me.
Then there is the fact that you cannot pay online, period. There is simply NO option for this whatsoever. First Progress / Synovus Bank -- are you freaking KIDDING me? It's not the 1980s anymore. NOBODY, but NOBODY in business these days fails to have an online payment option, whether through credit, debit, or PayPal. NOBODY!!! Get with the times. I can guarantee if you do, you'll see a lot more payments tendered on time. People do not have time to fuss about with old school check-writing and stamps and envelopes and trips to the post office, etc. etc. That's part of why we developed this technology -- to replace all that and make it easier than ever to pay our bills or make our purchases. One might seriously and sincerely question whether you actually want to get paid or not.
Last but by no means least, having a phone-in option for payment is worse than useless if you are going to charge an extra $10 every single time. People, please. This is a "small potatoes" card -- people get these cards with SECURED $300-$500 credit lines to rebuild credit scores after a bad patch. Payments are typically around $35/month. Nobody wants or needs to be forced to pay nearly 1/3 that amount as a so-called "courtesy fee" for the "privilege" of one faceless occupant in the telephone jockey pool processing a payment on the spot. I mean, seriously, these folks would get paid to work for FP regardless of whether any customers pay by phone or not -- correct? These employees DO service other purposes, yes? And not only that, but this company then goes further and continues with the ten-day hold in spite of the fact that generally nobody is paying by telephone unless its an emergency and they don't want to miss their due date, in the first place~!! ARGGGHHH!!!! There is just no winning with these guys and no end to the nightmare and headache until the damned card is paid off in full and you have your security funds returned to your hot little hand -- to be wisely invested in a proper Capital One secured card instead. World reknowned name, excellent customer service, even takes you back after you've messed up and gives you another shot to fix your credit.
Give First Progress a huge berth and complete pass -- you won't regret it. There are other credit-rebuilding fish in the sea -- and they actually know how to swim, too.